Lower Your 2012 Jeep Liberty Insurance Cost

Looking for the cheapest car insurance rates for your Jeep Liberty? Tired of being strong-armed to buy car insurance? You are in the same boat as many other drivers. There are many car insurance companies to purchase coverage from, and although it’s a good thing to have a selection, it makes it harder to compare company pricing.

Discounts are available to cut your rates

Auto insurance companies don’t always publicize all their discounts in a way that’s easy to find, so we researched some of the best known and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount available, you are paying more than you should be.

  • Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Defensive Driver – Taking part in a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Air Bag Discount – Factory air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Federal Employees – Simply working for the federal government may qualify you for a discount on Liberty insurance with select insurance companies.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. The good student discount can last well after school through age 25.
  • Drive Less and Save – Keeping the miles down on your Jeep can qualify you for lower rates on the low mileage vehicles.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

To see a list of providers offering insurance coverage discounts, click this link.

Everyone needs different coverages

When choosing coverage for your personal vehicles, there really is no perfect coverage plan. Each situation is unique so this has to be addressed. For example, these questions can aid in determining whether or not you might need professional guidance.

  • Does medical payments coverage apply to all occupants?
  • Do I pay less for low miles?
  • Do I need medical payments coverage since I have good health insurance?
  • Does my car insurance cover rental cars?
  • Should I bundle my homeowners policy with my auto?
  • What is PIP insurance?
  • Am I better off with higher deductibles on my 2012 Jeep Liberty?
  • When should I not file a claim?
  • Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

What auto insurance coverages do you need?

Understanding the coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages available from auto insurance companies.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Jeep Liberty.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Auto collision coverage

Collision insurance covers damage to your Liberty resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, sustaining damage from a pot hole and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Coverage for liability

This can cover damage that occurs to people or other property. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like court costs, medical services and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, rock chips in glass, damage from getting keyed and a broken windshield. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses for doctor visits, X-ray expenses, chiropractic care, ambulance fees and pain medications. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Compare but don’t skimp

Cheap 2012 Jeep Liberty insurance can be sourced both online in addition to many insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies do not provide online price quotes and most of the time these smaller companies sell through independent agents.

You just learned a lot of techniques to get a better price on insurance. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. You may even find the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm or Progressive.

Much more information about insurance is available at these links: